Optimalisasi manajemen risiko melalui pendekatan maqasid syariah pada bank syariah di indonesia : tinjauan literatur
Abstract
This study aims to analyze how the principles of maqasid shariah can be integrated into the risk management system of Islamic banking in Indonesia. Employing a literature review approach, the research evaluates existing literature and risk management practices, while exploring the potential contribution of maqasid shariah in shaping a more just, ethical, and holistic risk mitigation system. The findings indicate that most Islamic banks still adopt conventional risk management frameworks, thereby failing to fully reflect Islamic values. Maqasid shariah, which includes the protection of religion, life, intellect, lineage, and wealth, is considered capable of expanding the scope of risk management beyond financial aspects to include moral and spiritual dimensions. Therefore, it is necessary to design an implementable risk policy framework based on maqasid so that Islamic principles serve not only a symbolic function but also a strategic one.
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